---
schema_version: "secwatch.filing_event.v1"
accession: "0000913341-26-000005"
form_type: "8-K"
ticker: "CFFI"
cik: "0000913341"
company_name: "C & F FINANCIAL CORP"
filed_at: "2026-01-27T23:59:59+00:00"
generated_at: "2026-05-16T07:46:33.460982+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.6
calibrated_materiality_score: 0.6
confidence: "high"
source: SEC EDGAR
---

# C&F Financial Q4 net income $6.7M ($2.07 EPS); full-year $27.0M ($8.29 EPS)

## Summary
- Q4 2025 net income $6.7M vs $6.0M in Q4 2024; full-year net income $27.0M vs $19.9M.
- Diluted EPS Q4 $2.07 vs $1.87; full-year $8.29 vs $6.01.
- Full-year ROAA 1.01% (vs 0.80%); ROAE 11.11% (vs 9.02%).
- Return on avg tangible common equity: full-year 12.53% vs 10.37%.

## SEC filing metadata
- accession: 0000913341-26-000005
- form_type: 8-K
- ticker: CFFI
- cik: 0000913341
- company_name: C & F FINANCIAL CORP
- filed_at: 2026-01-27T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.6
- calibrated_materiality_score: 0.6
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/913341/000091334126000005/0000913341-26-000005-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/913341/000091334126000005/cffi-20260127x8k.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000913341-26-000005
- JSON: https://secwatch.observer/filing/0000913341-26-000005.json
- Plain text: https://secwatch.observer/filing/0000913341-26-000005.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.